"Cannot play online multiplayer because of how your Microsoft Account is set up"

I play on minecraft pocket edition on IOS. I suddenly started getting this message: "You cannot add friends/ cannot play online multiplayer because of how your Microsoft Account is set up." I have already gone into my online safety settings and made sure
all options were set to allow, but I am still getting this message. I just want to play with my sister on my wifi, but now the app will not load with wifi on, and when I am off the wifi, I get this message when I tried to change my game back to a multiplayer
game. I do not understand what is going on and it is quite frustrating. All past information I could find online told me that setting all the options to allow on the Xbox One/Windows 10 Online Safety tab would fix this, but it has not.

:)